Retirement Investment Advisors 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Apple Inc	STOCK	037833100	1,347,757	6,399	SH		SOLE		0	0	6,399
Berkshire Hathaway Inc	STOCK	084670702	1,238,706	3,045	SH		SOLE		0	0	3,045
CannaSys Inc	STOCK	137651204	9	20,000	SH		SOLE		0	0	20,000
Ford Motor Co	STOCK	345370860	251,126	20,026	SH		SOLE		0	0	20,026
Hemp Inc	STOCK	423703206	0	10,000	SH		SOLE		0	0	10,000
International Business Machines Corp	STOCK	459200101	365,270	2,112	SH		SOLE		0	0	2,112
iShares Russell 2000 Value ETF	ETF	464287630	543,102	3,566	SH		SOLE		0	0	3,566
iShares Russell 2000 ETF	ETF	464287655	483,690	2,384	SH		SOLE		0	0	2,384
iShares Core S&P Small-Cap ETF	ETF	464287804	1,660,590	15,569	SH		SOLE		0	0	15,569
iShares J.P. Morgan USD Emerging Markets Bond ETF	ETF	464288281	19,370,130	218,921	SH		SOLE		0	0	218,921
iShares National Muni Bond ETF	ETF	464288414	25,843,916	242,552	SH		SOLE		0	0	242,552
Johnson & Johnson	STOCK	478160104	207,693	1,421	SH		SOLE		0	0	1,421
McDonald's Corp	STOCK	580135101	248,214	974	SH		SOLE		0	0	974
Microsoft Corp	STOCK	594918104	251,186	562	SH		SOLE		0	0	562
OGE Energy Corp	STOCK	670837103	450,248	12,612	SH		SOLE		0	0	12,612
ONEOK Inc	STOCK	682680103	1,261,986	15,475	SH		SOLE		0	0	15,475
Phillips 66	STOCK	718546104	944,004	6,687	SH		SOLE		0	0	6,687
Shell PLC	STOCK	780259305	225,923	3,130	SH		SOLE		0	0	3,130
Schwab U.S. Large-Cap Value ETF	ETF	808524409	3,329,970	44,951	SH		SOLE		0	0	44,951
Simmons First National Corp	STOCK	828730200	351,600	20,000	SH		SOLE		0	0	20,000
Texas Instruments Inc	STOCK	882508104	1,411,704	7,257	SH		SOLE		0	0	7,257
Thomson Reuters Corp	STOCK	884903808	265,161	1,573	SH		SOLE		0	0	1,573
Vanguard Total International Stock ETF	ETF	921909768	1,709,204	28,345	SH		SOLE		0	0	28,345
Vanguard Intermediate-Term Bond ETF	ETF	921937819	95,803,707	1,279,259	SH		SOLE		0	0	1,279,259
Vanguard FTSE Developed Markets ETF	ETF	921943858	1,759,303	35,599	SH		SOLE		0	0	35,599
Vanguard FTSE Emerging Markets ETF	ETF	922042858	1,217,666	27,826	SH		SOLE		0	0	27,826
Vanguard Tax-Exempt Bond Index ETF	ETF	922907746	4,203,127	83,878	SH		SOLE		0	0	83,878
Vanguard Small-Cap Growth ETF	ETF	922908595	12,012,493	48,025	SH		SOLE		0	0	48,025
Vanguard Small-Cap Value ETF	ETF	922908611	57,072,726	312,693	SH		SOLE		0	0	312,693
Vanguard Growth ETF	ETF	922908736	181,621,874	485,607	SH		SOLE		0	0	485,607
Vanguard Value ETF	ETF	922908744	175,883,630	1,096,463	SH		SOLE		0	0	1,096,463
Vanguard Total Stock Market ETF	ETF	922908769	516,027	1,929	SH		SOLE		0	0	1,929
Invesco QQQ Trust Series 1	STOCK	46090E103	3,645,069	7,608	SH		SOLE		0	0	7,608
ConocoPhillips	STOCK	20825C104	730,088	6,383	SH		SOLE		0	0	6,383
Energy Transfer LP	STOCK	29273V100	276,908	17,072	SH		SOLE		0	0	17,072
Exxon Mobil Corp	STOCK	30231G102	4,093,207	35,556	SH		SOLE		0	0	35,556
Invesco S&P 500 Equal Weight ETF	ETF	46137V357	1,064,863	6,482	SH		SOLE		0	0	6,482
Invesco Large Cap Value ETF	ETF	46137V738	726,308	13,196	SH		SOLE		0	0	13,196
iShares Core MSCI EAFE ETF	ETF	46432F842	116,903,329	1,609,352	SH		SOLE		0	0	1,609,352
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	57,724,076	1,078,350	SH		SOLE		0	0	1,078,350
iShares Core International Aggregate Bond ETF	ETF	46435G672	392,022	7,853	SH		SOLE		0	0	7,853
iShares 0-3 Month Treasury Bond ETF	ETF	46436E718	362,657	3,601	SH		SOLE		0	0	3,601
Medical Marijuana Inc	STOCK	58463A105	34	20,000	SH		SOLE		0	0	20,000
NVIDIA Corp	STOCK	67066G104	1,305,077	10,564	SH		SOLE		0	0	10,564
OWC Pharmaceutical Research Corp	STOCK	67109N108	0	25,000	SH		SOLE		0	0	25,000
SPDR S&P 500 ETF Trust	ETF	78462F103	1,079,188	1,983	SH		SOLE		0	0	1,983
SPDR Portfolio Developed World ex-US ETF	ETF	78463X889	273,308	7,791	SH		SOLE		0	0	7,791
SPDR Nuveen S&P High Yield Municipal Bond ETF	ETF	78464A284	269,995	10,613	SH		SOLE		0	0	10,613
SPDR S&P Dividend ETF	ETF	78464A763	2,197,543	17,279	SH		SOLE		0	0	17,279
SUNCOKE ENERGY INC	STOCK	86722A103	110,201	11,245	SH		SOLE		0	0	11,245
Tesla Inc	STOCK	88160R101	565,541	2,858	SH		SOLE		0	0	2,858
VanEck High Yield Muni ETF	ETF	92189H409	4,426,405	85,700	SH		SOLE		0	0	85,700
Vanguard Total International Bond ETF	ETF	92203J407	34,260,516	703,935	SH		SOLE		0	0	703,935
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	1,376,731	17,816	SH		SOLE		0	0	17,816